countrymouse
Confused about dryer sheets
- Joined
- Mar 7, 2011
- Messages
- 7
Does anyone have a portion of the portfolio that is truly speculative and how does it figure into your retirement forecasting? The reason I ask is about 1/3 of our total investments is currently in VGENX. It is the fund that ate our account- and I'm having a hard time talking to DH about this. DH did a tremendous amount of serious research into energy in 2005-2006. It was his "passion" LOL. We invested early and rode the energy wave up and down never selling- though to his credit he called the "top" and almost sold but didn't- kicks himself- but he is in it for the long haul. Since getting more serious about FIRE, he's sort of excluded that fund from the rest of our investments and likened it to say real estate speculation or starting his own business. He is still very engaged in reading and researching the sector and has no desire to sell in order to re-balance. I know some investors have "side" accounts that they don't rely per se and this is sort of how I/ we view this. So in terms of FIRE we've run the numbers with and without this fund and of course seen different results but both put us on track for target retirement date- but obviously different amounts after. I don't know just curious if others would feel comfortable with this or similar "outside investments".